For one-off compensation and various benefits for those who suffer permanent injury. Q: What constitutes an "accident"? Any illness or injury caused by a sudden event. Some cases are uncontroversial: those who have been assaulted, involved in a car accident, fallen over, self-harmed, injured by any external force, and sudden illnesses that cannot be predicted. ACC will usually accept these cases straight away, without seeking a doctor's professional opinion. Some cases may be related to past medical history, for example, if someone who previously had high blood pressure suffered a heart attack or stroke in New Zealand, there is controversy over whether this counts as an "accident". ACC will usually seek a doctor's opinion and then make a decision on whether to pay compensation. However, in these cases, doctors usually side with the patient and advise ACC to pay compensation. Unlike general commercial insurance companies, ACC can be "free" and automatically joined. The biggest difference between ACC and general commercial insurance companies is that you don't have to join ACC insurance before an accident happens. As long as you are a natural person in New Zealand, you are automatically insured ?
New Zealand Q&A
I rented a Mercedes-Benz E-Class for my trip. Before picking up the car, I didn't know if it was an E200 or E220, petrol or diesel. But I did my homework beforehand, and if it was an E220, then it would be the diesel version. It turned out to be an E200, and I was a bit disappointed, as the horsepower would be lower, but there was nothing I could do about it. I checked the car and found that the latch in the bottom of the trunk was broken, causing the luggage cover inside to not close properly. I told the staff at the pick-up location that this needed to be fixed, or else I would request a different car. They said that there was only this E200 available at the moment, and asked if I would accept a different model. I said that I was used to driving a Mercedes-Benz and didn't consider other options. They quickly brought over an E220d and asked if I wanted it. Do I even need to answer that ?
Germany Q&A